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Letter portraitLegal landscapeQuarterYTD

Community Bank

Avon, SD · Cert 1687

State charter, non-member · FDIC · 1 branch

Q2 2026

$69.3MAssets
$42.5MLoans
$60.2MDeposits
$8.0MEquity
Loan mix
43%RE $9.8M41%C&I $9.4M16%Consumer $3.7MQ3 2024Q2 2026
Deposit mix
77%Interest-bearing $46.4M23%Noninterest $13.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.92%, up 47 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.60% of loans (+32 bps YoY), with net charge-offs at 0.46%.
  • Capital: tier 1 leverage ratio of 12.20%, down 96 bps from a year ago.
  • Funding: loans stand at 70.65% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.92%+47 bps YoY

Net Interest Margin (quarter, annualized)

3.59%+10 bps YoY

Efficiency Ratio (quarter, annualized)

61.78%-1,582 bps YoY

Tier 1 Leverage Ratio

12.20%-96 bps YoY

NIM

4.59%Q2 ’245.23%Q2 ’255.32%Q2 ’26+39%+3%

Non-interest income vs. expense

2.12%Q2 ’242.95%Q2 ’252.33%Q2 ’26+46%-19%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%-0.08%0.74%0.45%0.45%0.01%0.93%0.92%+47 bps
Return on Equity4.58%-0.78%6.74%3.87%3.87%0.05%8.31%8.14%+427 bps
Net Interest Margin2.72%2.89%2.97%3.48%3.39%3.31%3.39%3.59%+10 bps
Efficiency Ratio77.76%96.91%70.20%77.60%82.27%89.41%69.31%61.78%-1,582 bps
Non-Interest Burden2.07%2.79%2.02%2.63%2.76%2.93%2.27%2.14%-49 bps
Growth
Asset Growth (YoY)9.74%1.41%-5.53%-7.18%0.99%2.90%12.12%9.21%+1,639 bps
Loan Growth (YoY)17.65%17.18%15.97%14.78%17.72%16.64%15.42%11.08%-369 bps
Deposit Growth (YoY)6.82%4.63%2.14%-1.51%2.31%4.02%11.80%9.82%+1,133 bps
Asset Quality
Nonperforming Loans / Loans0.35%0.28%0.37%0.29%0.74%0.14%0.79%0.60%+32 bps
Net Charge-Offs / Loans0.01%0.24%0.23%0.22%0.01%0.36%-0.03%0.46%+24 bps
Allowance / Loans1.22%1.22%1.19%1.20%1.17%1.23%1.23%1.23%+3 bps
Allowance Coverage of NPLs3.4x4.4x3.2x4.2x1.6x8.5x1.6x2.0x-2.1x
Capital
Tier 1 Leverage Ratio12.42%12.14%12.65%13.16%12.88%12.21%12.02%12.20%-96 bps
Total Risk-Based Capital12.42%12.14%12.65%13.16%12.88%12.21%12.02%12.20%-96 bps
Equity / Assets11.08%10.38%11.60%11.64%11.43%11.24%11.13%11.51%-13 bps
Liquidity & Funding
Loans / Deposits62.78%64.75%66.55%69.84%72.24%72.60%68.71%70.65%+81 bps
Liquid Assets / Assets4.39%4.09%0.68%0.88%2.50%2.73%4.63%3.17%+228 bps
CRE / Total Capitaln/an/an/an/a1.57%1.92%1.86%n/an/a